What I Should Have Taught My Children Better

1. There is a difference between needs [most parent provided] and wants [not parent provided].
2. THANK YOU is the best two-word phrase in one's vocabulary and parents can't hear this often enough.
3. To be content with what you have is a great gift.
4. To be without something you want is normal and expected.
5. If you want something, prioritize, budget, and save for it.
6. There is more than one way to do most things right--and if you want it done your way, be willing to do it yourself.
7. A college education is an "extra" and not an expense required or expected of parents. Any assistance provided by parents is a sacrifice for them and a generous gift to the lucky, parent-endowed student. Make them feel like they are getting their money's worth.
8. Debt/interest never sleeps and is constraining. . . the sooner you pay, the sooner you are free. Receive interest, never pay it. . . a minimum payment is the credit card company's way of making a fortune. . . so pay off the bill in full each month--you don't need to make them rich. If you can't afford it now, you can't afford it at the end of the month. Save up instead and pay in cash.
9. Daily do-its include public areas clean enough to welcome company--living room, bathroom, kitchen including dishes. "Put the house to bed"--a ten-minute tidy-- and you'll have a fresh start when you wake to a clean dwelling. The other basic is 1-2-3: get it out, use it, put it away. You will never regret this.
10. Following counsel and commandments gives one the freedom to be happy and rich in ways that really count.